US · Financial Services · Credit Services
EPS came in at 0.40 against a street estimate of 0.23 — a beat of 73.9%.
Analysts rate Upstart Holdings Inc a buy (8 buy, 7 hold, 1 sell out of 16) with an average price target of $37.56.
CONFIDENT Upstart delivered record contribution profit and returned to GAAP profitability by reaccelerating core personal loans 27% QoQ while improving unsecured margins 6 points and cutting secured product losses 61 points. UMI headwinds offset strong execution; guidance maintained. Q2 2026 N/A Analysts focused on take-rate drivers (mix vs. pricing), UMI macro sensitivity and credit validation, and long-term capital allocation. Management emphasized controllable levers—model wins, automation, product-mix focus—outweighing near-term macro noise; framed UMI as signal to be managed, not barrier. 2026-08-04…
Full summary in the app.
| Fund | Stake |
|---|---|
| BlackRock Inc | 8.10% |
| Vanguard Portfolio Management, LLC | 3.84% |
| Vanguard Capital Management, LLC | 3.80% |
| Morgan Stanley - Brokerage Accounts | 2.48% |
| The Goldman Sachs Group Inc | 2.46% |
| Marshall Wace Asset Management Ltd | 2.44% |
| Geode Capital Management, LLC | 2.29% |
| State Street Corp | 2.18% |
| Document | Date |
|---|---|
| Quarterly report · Q3 2026 HEADLINE NUMBERS • Third-quarter 2026 revenue was $370.522 million, up from $277.105 million in third-quarter 2025. • Third-quarter 2026 net income | 2026-11-03 |
| Results announced · Q4 2026 HEADLINE NUMBERS • Q3 2026 originations were $4.1 billion, up 44% year-over-year, with a record 574,089 loans originated, up 34%. • Total revenue wa | 2026-11-03 |
| Material agreement · Q4 2026 HEADLINE NUMBERS • Upstart entered into a senior secured revolving credit facility of up to $200,000,000 on October 16, 2026. • The facility is inte | 2026-10-20 |
| Quarterly report · Q2 2026 UPSTART HOLDINGS, INC. - FORM 10-Q SUMMARY Quarter Ended June 30, 2026 --- HEADLINE NUMBERS • Total Revenue (6 months): $672.9 million, up from $47 | 2026-08-04 |
| Results announced · Q3 2026 UPSTART HOLDINGS Q2 2026 EARNINGS SUMMARY HEADLINE NUMBERS • Originations: $4.2 billion, up 50% year-over-year. 558,014 loans originated, up 50% YoY | 2026-08-04 |
| Shareholder vote results · Q2 2026 UPSTART HOLDINGS, INC. - FORM 8-K SUMMARY HEADLINE NUMBERS • Annual stockholder meeting held May 28, 2026 • Total votes cast across proposals: appro | 2026-05-28 |
| Board / officer change · Q2 2026 UPSTART HOLDINGS, INC. - FORM 8-K SUMMARY May 19, 2026 --- BUSINESS & SEGMENT HIGHLIGHTS • Upstart announced a board composition change with the el | 2026-05-19 |
| Quarterly report · Q1 2026 UPSTART HOLDINGS, INC. - FORM 10-Q SUMMARY Quarter Ended March 31, 2026 --- HEADLINE NUMBERS • Total Revenue (Q1 2026): $308.2 million vs. $213.4 m | 2026-05-05 |
Readable in the app.
| Announcement | Date |
|---|---|
| Secured $200 million revolving credit facility to fund Upstart Bank capitalization Upstart entered into a senior secured revolving credit facility of up to $200 million with MUFG Bank and other lenders. The facility is intended to provide flexibility while Upstart establis | 2026-10-20 |
| Plans to establish insured national bank with regulatory applications Upstart Holdings announced on March 10, 2026, that it plans to apply to become an insured national bank (Upstart Bank, N.A.) and become a bank holding company under Federal Reserve oversight | 2026-03-10 |
| Repurchased $100 million of common stock in open market transactions Upstart Holdings announced on February 19, 2026 that it repurchased $100 million of its own stock between February 12-18, 2026. The company bought back 3,193,294 shares at an average price o | 2026-02-19 |
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Open in the appGoogle PlayApp StoreData updated 2026-11-07.